American Banker
AUGUST 22, 2023
A series of deals over the summer suggests growing interest by private equity investors in acquiring community banks. Five such deals have been announced this summer alone.
Realwired Appraisal Management Blog
AUGUST 22, 2023
The appraisal department is a pivotal player that can bridge the gap between sound collateral protection and lenders making more loans safely. What if there was a way to harmonize these two seemingly divergent objectives? Let’s find a way. Now, imagine if our appraisal department could wear both hats effectively.
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BankUnderground
AUGUST 23, 2023
Gerry Gunner and James Waddell Buy-Now-Pay-Later (BNPL) is a relatively new form of consumer credit that you might have noticed as a payment option when shopping online or in person. However, there is little analysis in the public domain about who is using BNPL credit in the UK and its contribution to total household debt. We have used the Bank’s NMG Consulting survey to reveal that BNPL borrowers are typically younger adults and renters, and are more likely to report signs of financial distress
The Financial Brand
AUGUST 22, 2023
This article 4 Ways to Ensure Your Financial Wellness Marketing Pays Off appeared first on The Financial Brand. What good is financial education if few people actually use it? Here's how banks and credit unions can drive more customer engagement. This article 4 Ways to Ensure Your Financial Wellness Marketing Pays Off appeared first on The Financial Brand.
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Join us in this webinar, where we share best practices on how to think about the reconciliation work each month, when best to do reconciliations, how they should be prepared, and some common pitfalls to avoid. Learning Objectives: This course objective is to understand how to properly prepare and review balance sheet reconciliations and its impact on the financial statements.
South State Correspondent
AUGUST 21, 2023
Earlier this month, on August 7, 2023, Moody’s Investor Services (“Moody’s”) published a banking sector review. That publication was referenced in the media as a US bank rating action, with a downgrade to ten larger banks (and a negative outlook to 11 other larger banks). However, that publication, directly and indirectly, identified three discrete risks affecting community banks.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
Jack Henry
AUGUST 24, 2023
In today’s interconnected world, it’s crucial to expand your loan trading network to open doors to new opportunities, collaboration, and resources that can drive growth and success. One company that has excelled in this area is Apple. Over the years, Apple has demonstrated the ability to leverage partners, expanding its network to achieve unparalleled success.
ATM Marketplace
AUGUST 22, 2023
New ATM standards for Payment Card Industry (PCI) compliance will also take effect beginning Dec. 31, 2024. Here's how to ensure you're prepared.
American Banker
AUGUST 23, 2023
Forget special offers, ubiquitous branches and promises of convenience. Younger clients want to see state-of-the-art technology and hear good things from friends and family, according to a recent Arizent survey.
Payments Dive
AUGUST 24, 2023
A payments processing consultant argues that the Credit Card Competition Act isn’t the way to spur more competition in the industry.
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Treasury teams at community banks face an ongoing challenge of delivering frictionless customer experiences as they support treasury products – especially RDC. This infographic focuses on the efficiencies community banks gain when partnering with a proven managed services provider. You’ll see the advantages you can gain when a managed services partner leverages online tools, skilled customer and technical support personnel, and fulfillment and logistics capabilities to streamline RDC fulfillment
Perficient
AUGUST 23, 2023
Introduction Investing is a crucial aspect of achieving financial goals and securing a stable future. When it comes to investing, understanding different asset classes is fundamental to making informed decisions. Asset classes are broad categories of financial instruments with similar return characteristics. Each asset class has its unique features, and by diversifying across various types, investors can manage risk and potentially maximize returns.
Abrigo
AUGUST 24, 2023
Adapting to higher interest rates What does the "higher for longer" scenario for interest rates mean for U.S. financial institutions and borrowers? Experts from Derivative Path discuss rate implications. You might also like this webinar on tracking and monitoring deposit behaviors in the new environment. WATCH Focus on liquidity Ongoing volatility: Protect the balance sheet The Federal Reserve’s latest 25 bp rate hike on July 26 has pushed short-term interest rates to the highest level in 22
Gonzobanker
AUGUST 24, 2023
This decade-long crisis touches banks’ products, technologies, people, processes and the political climate. In an article titled Is the Banking Crisis Over? We Are About to Find Out , the Wall Street Journal identified three concerns that could determine if the banking industry is out of the crisis or still in one: Deposit costs. High interest rates have forced many banks to pay more to retain deposits (often via brokered deposits), while many institutions have seen deposits flee to higher-yield
Payments Dive
AUGUST 21, 2023
In a company podcast, the grocer’s new CEO and president slammed the popular checkout method as being bad for employees and too much work for shoppers.
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Amid market uncertainty, banks and credit unions are faced with critical decisions about the future of their commercial lending. With fluctuating interest rates and rising competition from non-bank lenders, it's critical to allocate your 2025 budget strategically to optimize lending operations. Our Budget Playbook for Commercial Lenders delivers key strategies to help you navigate these challenges, ensuring your institution is well-positioned for the coming year.
BankInovation
AUGUST 24, 2023
In the rapidly evolving world of banking and financial services, Agile and DevOps methodologies have emerged as essential tools to drive innovation and stay ahead of the competition.
BankUnderground
AUGUST 24, 2023
Hela Mrabet and Jack Page The rise in commodity prices after Russia’s invasion of Ukraine had a direct and noticeable impact on consumers’ bills for energy and food. But firms also felt the brunt of higher costs. How did firms pass on these cost shocks through the supply chain and all the way onto consumer prices? How much and how quickly can firms pass through such large cost shocks?
CFPB Monitor
AUGUST 25, 2023
The Mortgage Bankers Association and Housing Policy Council (the “Associations”) recently filed an Amici Curiae brief supporting the position of Townstone Financial regarding the scope of the Equal Credit Opportunity Act (ECOA) in the case CFPB v. Townstone Financial which is now before the U.S. Court of Appeals for the Seventh Circuit.
Payments Dive
AUGUST 21, 2023
BNPL’s ubiquity and growing use for everyday purchases should grab regulators’ attention, said Consumer Reports’s senior policy counsel.
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Have you ever felt the pain and loss of a client suddenly going silent, leaving you questioning everything? Ghosting can cause heartbreak; in business, it drains resources, and emotionally, it shatters your confidence. A modern credit card program can give you the tools to deliver the digital-first experiences your customer’s demand. Our eBook, “5 Signs Your Credit Card Offering Needs an Upgrade,” will help you identify key indicators that your current card platform may be holding you back and w
BankInovation
AUGUST 21, 2023
Nvidia wants to unlock new AI applications across the financial services industry as the chipmaker looks to gain more financial institution clients.
ATM Marketplace
AUGUST 25, 2023
With Mastercard's recent move to ban cannabis purchases, dispensaries must turn to cash.
CFPB Monitor
AUGUST 24, 2023
We first look at what generative AI is and how it differs from other types of AI and technology such as machine learning. We then look at the ways in which banks and fintech companies can deploy AI tools and the business use case for banks and fintechs considering the addition of chatbots, including how chatbots differ from voice response units. .
Payments Dive
AUGUST 25, 2023
After recasting its card strategy, the buy now, pay later provider is taking a gradual approach to adding new cardholders, teasing more rewards to come.
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With automation, you’ll reduce errors and save valuable time, allowing you to focus on what really matters: strategic analysis and insightful decision-making. Picture accurate financial reports ready at your fingertips, giving you the confidence to tackle business challenges head-on. Embracing automation not only boosts productivity but also elevates your role from number cruncher to closing rockstar.
TheGuardian
AUGUST 20, 2023
From the ‘must-have’ overdraft to money off food and rail travel Student life brings with it a different kind of learning curve as young people across the country embark on a new adventure and try to find ways to make their money go further. And in a cost of living crisis, the curve is even steeper. A survey carried out for the personal finance website Save the Student last year showed that 82% of students worried about making ends meet, while one in 10 had resorted to using food banks.
The Paypers
AUGUST 24, 2023
ResearchAndMarkets has rolled out the ‘Europe POS Payment Methods 2023’ report, detailing how digital wallets and other POS payment methods gain popularity over cash.
CFPB Monitor
AUGUST 24, 2023
The U.S. Supreme Court will hold oral argument on October 3, 2023 in Community Financial Services Association of America Ltd. v. Consumer Financial Protection Bureau , a case we have been following closely on Consumer Finance Monitor because of its profound potential implications for the future of the CFPB. In the case, the Court will rule on whether the CFPB’s funding mechanism violates the U.S.
Payments Dive
AUGUST 24, 2023
The international cooperative reports improvements in meeting some G20 cross-border payments goals, but says the industry is falling short on others.
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Community banks seek ways to leverage their technology infrastructure to drive productivity and growth. However, the sheer volume of technology devices, capital constraints, and lack of skilled resources stand in the way. This Strategy Brief explores how a managed device services partner can help bridge this resource gap. Managed device services partners empower community banks to take charge of mission-critical device management activities with: Logistics and installation services to support se
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